u/HappyFather_GVA

Good evening,

I need to buy a new and bigger car for my family. It is a decent amount of money (70k) and I am not sure what is financially optimal. The garage offers leasing with cembra at 2.99%. I could pay the full amount outright also.

What would you do? If you take a leasing, how do you optimize across first payment, length?

My stock portfolio is up 18% this year (previous years all positive also) so I tend to think that I should do leasing to maximize my investments. But I just don't like debt at all. Thoughts are very much welcome.